VERMONT MUSIC & ARTS ASSOC INC (EIN 222873622) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1986

Legal Domicile

Principal Officer

Lois Tepfer

Phone

4135591336

Tax Period

2023-10-01 to 2024-09-30

VERMONT MUSIC & ARTS ASSOC INC, founded in 1986, is a small nonprofit in the Arts, Culture & Humanities sector that reported $213K in total revenue in fiscal year 2023. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $52K, a strong 24% operating margin.

Mission

VMAC operates three, 1-week fully-coached sessions to promote the playing of chamber music by adult non-professionals.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $10,300

Program Service Revenue $156,452

Investment Income $47,585

Other Revenue $-1,042

TOTAL REVENUE $213,295

Expense Breakdown

Grants Paid $2,650

Salaries & Benefits $61,420

Fundraising Expenses $0

Program Expenses $161,147

Other Expenses $97,077

TOTAL EXPENSES $161,147

Year-over-Year Comparison

	2023	2022	Change
Revenue	$213,295	$162,554	+0.3%
Expenses	$161,147	$160,148	+0.0%
Net Income	$52,148	$2,406	+20.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Judith Terwilliger	Program Coordinator and ex officio Trustee	10	Director	$0	$0	$0
Helene Resksy	Trustee	1	Director	$0	$0	$0
Cecilia Sweeney	Vice President	1	Director	$0	$0	$0
Donna Kirshbaum	Trustee	0	Director	$0	$0	$0
Richard Franke	Trustee	0	Director	$0	$0	$0
Martin Miller	Trustee	1	Director	$0	$0	$0
Lois Tepfer	President	0		$0	$0	$0
Virginia Fitzgerald	Trustee	5	Officer	$0	$0	$0
Carol Louik	Secretary	5	Officer	$0	$0	$0
Diana Cole	Treasurer	10	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$213,295	$161,147	$442,260	$52,148

VERMONT MUSIC & ARTS ASSOC INC